HVAC Contactors Insurance

If you perform work in the heating and cooling industry, you need the insurance protections available to HVAC contractors. Having insurance protections safeguard your financial well-being in the event of a workplace injury or property damage related to your work.

<strong>We Know Insurance for HVAC Contractors</strong>

We Know Insurance for HVAC Contractors

Caruso Insurance Services provides commercial insurance plans for businesses, including HVAC contractors working in the state of California. CIS has an excellent reputation in the HVAC industry for our service to HVAC contractors. We offer products such as general liability insurance, commercial vehicle insurance, coverage for tools and equipment, and surety bonds. Get the protection you need to safeguard your financial well-being and business.

<strong>Know Your Risks</strong>

Know Your Risks

All contractors working in trades face business risks from slip and falls to job site hazards and property damage. HVAC professionals are no exception. They also face liabilities that can include roadside accidents, on-the-job injuries, and property damage. If your employee becomes injured on the job or you accidentally damage an HVAC unit, you can be held liable and face a costly lawsuit. General liability coverage protects you from financial damages that can undermine your business.

<strong>Protect Your Business</strong>

Protect Your Business

No matter how much technical prowess you possess in your field, you can't eliminate the risks associated with doing business in any type of trade. The key to sustaining your business success is to procure HVAC contractor insurance that's designed to protect you from work-site injuries like falls or even electric shock as well as property damage. Damage to a customer's home can occur as a result of dropping a piece of equipment.

When you have the coverage you need with your HVAC contractor insurance policy, you can focus on your work without fear of legal reprisals should something untoward occur. You've probably put in many hours of work to build up your business and make it successful. Your business is now an asset. Protect it with a robust insurance policy from CIS.

What Types of Insurance Do We Offer for HVAC Contractors?

As an HVAC contractor, you may be interested in our general liability insurance, but you may also want to contract with us for commercial auto insurance coverage, surety bonds, worker's compensation and even tool coverage. We protect all aspects of your business so you can focus on what you do best.


General Liability Insurance

Insurance product that provides the insured with protection against claims arising from injuries or damage to other people or property. Some coverages included in liability insurance are bodily injury, property damage, personal and advertising injury, products and completed operations, damage to premises rented to you and medical payments.


Commercial Property Insurance

A type of liability coverage designed to protect professionals against errors and omissions in performing their professional services.


Commercial Auto Insurance

This is coverage in the event of an accident or theft of your automobile. Liability coverage is also included in an automobile policy to provide protection against physical damage and bodily injury resulting from a vehicle incident.


Workers' Compensation Insurance

An insurance coverage that provides both medical benefits and wage replacement to employees that are injured while on the job.


Inland Marine Coverage

Insurance coverage for tools and equipment and certain types of moveable property.


Surety Bond Insurance

Provides protection for defective workmanship, design or materials for a specified period of time after a job is complete.

<strong>How Much Does HVAC Contractor Insurance Cost?</strong>

How Much Does HVAC Contractor Insurance Cost?

Contractor insurance ranges in pricing depending on the level of coverage you select and the number of options you add to your policy. When you contact CIS, we can provide you with a custom quote for your coverage based on your needs. We feature transparent, upfront pricing and are known for our affordable premiums. We can also help you determine how much coverage you need.

When you choose your CIS insurance plan and options, you'll need to think about many factors to make the best choice for your business. For example, consider the value of your business assets. What is your business insurance claims history? Do you own commercial property and commercial vehicles? Our insurance associates can help you evaluate our coverage plans so that you get the options you need to protect your livelihood and your business.

<strong>Why Choose CIS for HVAC Contractor Insurance?</strong>

Why Choose CIS for HVAC Contractor Insurance?

CIS understands that each business is different. Some need more substantial amounts of coverage than others. We know that one-size-fits-all insurance policies don't adequately meet each customer's needs. That's why we tailor our solutions to our clients. We offer high-quality insurance for customers working in the trades, including:

  • General liability insurance
  • Surety bonds
  • Commercial auto insurance
  • Workers compensation insurance
  • Insurance for tools and equipment

We feature affordable rates for our insurance policies and excellent customer care. After all, you deserve to rely on your insurance provider when you need to. We stand by our customers and provide the coverage they need when they need it.

<strong>How Do I Sign Up for Commercial Insurance with CIS?</strong>

How Do I Sign Up for Commercial Insurance with CIS?

When you're ready to procure insurance for your HVAC business, contact CIS using our online form or give us a call. You can choose the type of insurance you need along with any other special considerations. We can answer all of your questions in order to help you select the best plan for your business. Then, we can provide you with a quote for your annual coverage.

Our process is easy. If you need HVAC contractor insurance in California, you can rely on CIS. We'll provide you with all of your policy information and proof of insurance certification, which is frequently needed to work with other contractors in this industry.

Free HVAC Contractors Insurance Proposal